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Capitec Strategy to success

Introduction History shows that the South African banking sector has predominately focused on middle to upper class income groups in the market, whilst neglecting the needs and demands of low income groups (Manson, 2012). Capitec Bank on the other hand, focused on the needs of these low income groups, creating a business model that was specifically tailored to their needs. Capitec was introduced in the banking industry during a time of crisis, Saambou Bank, which focused in micro lending had…...

Disaster Recovery Planning in Banking Sector

On September 11, 2001, the terrorist attack ruined the World Trade Center in New York, which was the most highly focused monetary area. This attack not just ruined the twin towers, but also destroyed the monetary system. Banks located on the planet Trade Center went through an unprecedented catastrophe. The business's back-up facilities which were too near the main facilities were disrupted as the main facilities. Single points of failure in viewed varied routing led to failed back-up communications systems.…...

Sabarmati Ashram

Sabarmati Ashram is located in the Ahmedabad at the bank of River Sabarmati. This was one of the residences of Mohandas Karamchand Gandhi. This ashram is now a national monument established by the Government of India due to its significance for the Indian independence movement in the form of the Dandi March in 1930. The ashram was originally established at the Kocharab Bungalow of Jivanlal Desai on 25 May 1915. The Ashram was then shifted on 17 June 1917 to…...

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Merchant Banking

A merchant banking is a financial institution primarily engaged in offering financial services and advice to company and wealthy individuals on how to use their money. A merchant bank deal with commercial banking needs of finance, company & long term loans and stock writing. Merchant banking does not have retail offices where customer can go and access their account. A merchant bank is also called as wholesale banking. OBJECTIVE Main objective of merchant banking is coordinating the activities like the…...

Impact of mobile and internet banking

Abstract Financial institutions have been in the process of significant transformation. The force behind the transformation of these institutions is innovation in information technology. Information and communication technology is at the Centre of this global change curve of mobile and internet banking in Kenya. Rapid development of information technology has made banking tasks more efficient and cheaper. This study sought to determine the impact of mobile and internet-banking on performance of financial institutions in Kenya where the survey was conducted on…...

Five Top Banks With SBI Corporate Salary Package

In the growing global competition, the productivity of any business concern depends upon the behavioral aspect of consumers. This topic deals with the customer’s perception towards salary package from SBI. This project report contains 5 different chapters. The report begins with the introduction to company, its area of operation, its organization structure, its achievements, etc. The second chapter is the introduction to the Salary Package which gives a brief idea regarding Salary packages of SBI and other banks. In this chapter…...

Customer Satisfaction with E Banking in Bangladesh

As an indispensable part of BBA program, Department of Management studies, Jagannath University, all the students have to undergo project report program. Theoretical Knowledge is not enough for a business student. There is a gap between the theoretical knowledge and practical knowledge. Under this program the students are required to write report based on interview, discussion and study about concerning field and experiences during the course of work. I was assigned to “customer attitude toward E-banking in Bangladesh’’ to complete…...

First Security Islami Bank

Investment Schemes for First Security Islami Bank Limited, Saver- Branch Date of submission: ……………………….. Investment Schemes for First Security Islami Bank Limited, Saver- Branch Letter of Transmittal February………….. D.Mizanur Rahman Dean Department of Business Administration Faculty of Business & Economics Daffodil International University Subject: Submission of Internship Report on “Investment Schemes for First SecurityIslami Bank Limited, Saver- Branch”. Dear Sir, I have much pleasure to present the report of the internship program “Investment Scheam on First SecurityIslami Bank Limited, Saver-…...

Impact of Electronic Banking System

1.0Background of the Study The new millennium brought with it new possibilities in term of information access and availability, simultaneously, introducing new challenges in projecting sensitive information from some eyes, whiles making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands Banks to serve their customers electronically. Bank have traditionally been in the forefront of harnessing technology to improve their products and services. The Banking…...

Finance and banking

Chapter 1 1. Has the inflation rate in Canada increased or decreased in the past few years? What about interest rates? R/. The inflation rate of CAnada is low. The inflation rate was at 1.10 % in August. And the interest rate was declining. In one news said that on 1915 until 2013, the Canada's inflation rate 3.2% reaching an all time high of 21.6% in June of 1920 and got a record low at -17.8% in June of 1921.…...

Traditiona banking vs modern banking

I am pleased to convey my sincere acknowledgements to all the people who contributed to the completion of this study. Above all, I thank almighty God who always provides me with proper health and strength and this has contributed much to the completion of my study. Next is my project supervisor, who spent his time, knowledge and skills in guiding me towards successful understanding and completion of the study. To me it has been a real learning experience. Azania Bank…...

Personal experience with banking concept of education

Education, the process of taking in and applying information, is an important part of life that directly impacts an individual’s judgement and reasoning of both themselves and society. A person’s educational experience has the ability to influence their life despite their intelligence level or home life situation. In Paulo Freire’s book, The Pedagogy of the Oppressed, two major learning styles, the “banking” concepts and the “problem-posing” methods of education, and their effects on students are discussed. My personal early education…...

Cyber Сrime in Banking Sector

Excecutive summary Cyber crimes are any illegal activities committed using computer target of the criminal activity can be either a computer, network operations. Cyber crimes are genus of crimes, which use computers and networks for criminal activities. The difference between traditional crimes and cyber crimes is the cyber crimes can be transnational in nature. Cyber crime is a crime that is committed online in many areas using e-commerce. A computer can be the target of an offence when unauthorized access…...

Report on NMB Bank Limited

Tribhuvan University, Faculty of Management (FOM) commenced Bachelors of Business Administration (BBA) program as a distinct approach of attaining both theoretical knowledge and practical exposure. This university is the oldest university in Nepal and since its establishment it has been providing excellent education to the students. It provides a wide range of streams in the educational sector among which management education holds a major position. It introduced the Bachelor in Business Administration (BBA) program in the year 2001/02 with an…...

Bank of America Case Study

Problem Statement Can Bank of America initiate, renew or terminate different sponsorship opportunities. Which of the different sponsorships will have the biggest ability to help the bank’s business segments accomplish there business objectives, and which ones could damage them. Background Bank of America was operating in 29 states, District of Colombia and 43 foreign countries, serving individual customers, small to middle market businesses and large corporations. They provided a diversified range of financial assistances, such as banking, investing and asset…...

Bear Stearns Company Investment Strategy

Investment Strategies The investment strategy of the High Grade Structured Credit Strategies Master Fund was to raise capital from investors and that capital was used to buy “collateralized debt obligations” backed by highly rated subprime mortgage back securities. These CDO’s had a higher rate than that of their borrowing rate, thus, they had added to their expected return by levering more and then buying more CDO’s. To hedge some of the risk of the underlying asset, they bought credit default…...

Role of Technology in Banking Sector

The Banking Industry is witnessing a revolution in products, process, market and regulations. And it’s a revolution that is not about to stop or even slow down. Since the only option is to adapt and evolve, it is essential that system have the flexibility to quickly adjust the need of today’s financial market. It’s a tough challenge, because today’s fast moving market place is also extremely competitive. More over the need to retain the existing customers and attract new ones…...

Chapter 10 Banking and the Management of Financial Institutions

Factors Causing Financial Crises 1) A major disruption in financial markets characterized by sharp declines in asset prices and firm failures is called a A) financial crisis. 2) A financial crisis occurs when an increase in asymmetric information from a disruption in the financial system A) causes severe adverse selection and moral hazard problems that make financial markets incapable of channeling funds efficiently. 3) A serious consequence of a financial crisis is A) a contraction in economic activity. 4) A…...

External environment for banking industry

Standard Chartered is the world's leading emerging markets bank headquartered in London. Standard Chartered employs 30,000 people in over 500 locations in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, the United Kingdom and the Americas. It is one of the world's most international banks, with a management team comprising 70 nationalities. Standard Chartered has been committed to Hong Kong and China for nearly 150 years. Standard Chartered Bank opened its first branch…...

Online Banking

INTRODUCTION TO ONLINE BANKING: Online banking (or Internet banking or E-banking) allows customers of a financial institution to conduct financial transactions on a secure website operated by the institution, which can be a retail or virtual bank, credit union or building society. To access online banking, the customer would go to the financial institution's website, and enter the online banking facility using the customer number and password. Online banking facilities offered by various financial institutions have many features and capabilities…...

Analysis of the Retail Banking Industry

Porter's 5 Forces Analysis of the Retail Banking Industry in Australia Retail banking can be defined as an industry where banks use mass market banking in which individual clients utilize regional branches of larger industrial banks. Services offered consist of savings and checking accounts, home mortgages, personal loans, debit/credit cards. Retail banking aims to be the one-stop buy as numerous monetary services as possible on behalf of retail customers. Some retail banks have actually even made a push into financial…...

Separation of Commercial Banks and Investment Banks

One of the key concerns growing out of the debate on whether to separate or merge retail banking and wholesale/investment banking activities has been the stability of a nation’s banking system. The experience of the US banking system has suggested that merge of commercial and investment banks is a better approach to achieving stability. After the global financial crisis, the American economy went into recession. The policy priority of American government was then to intervene into its banking system so…...

The Case of the Unknown Industries

In the Case of the Unknown Industries, we matched several industries with their corresponding balance sheets. We used several different methods to come up with our conclusion. An important factor we had to remember was the economic state industries were in their respective year. A. Online Retailer This set of data belongs to the online retailer industry. The most significant categories that helped with our decision was the low inventory for a retail business and the relatively high inventory turnover.…...

Features of Retail Banking

Retail banking can be defined as the offering of banking and financial services to the individuals and small and medium sized firms (SMEs). Today the retail banks are not just ‘high street’ banks with the physical presence in the towns and the cities of the UK, in fact the advent of phone banking and internet banking has added various services and characteristics to the scope of retail banking. Moreover, there are ‘virtual’ banks which run on the internet and save…...

Financial Crisis

I. Introduction Last financial crisis was seen as a strong slap on the global economy. It has awakened Basel Committee on Banking Supervision (BCBS) about the importance of an aggregation between market and credit risks that banks have to cope with. In accordance with Saunders and Cornett (2011), definition of market risk is “the risk related to the uncertainty of an FI’s (financial institution) earnings on its trading portfolio caused by changes, and particularly extreme changes, in market conditions”. Interest…...

Advantages Of Unit Banking

1.Local Development:Unit banking is localized banking. The unit bank has the specialised knowledge of the local problems and serves the requirements of the local people in a better manner than branch banking. The funds of the locality are utilised for the local development and are not transferred to other areas 2.Promotes Regional Balance:Under unit banking system, there is no transfer of resources from rural and backward areas to the big industrial commercial centres. This tends to reduce regional in balance.…...

Social Media and Banking

Intro Social network and banking do not appear to have a strong relation at the first look on the subject, however are certainly complexly related in today's world with the continuous development of the banking sector and the big effect of social networks on the masses. While today many international banks are using social media as a connectivity and marketing tool with its consumers, Indian banks are also not far behind. ICICI, one of India's most significant banks, already boasts…...

Netsuite customer relationship management for the Banking Sector

NetSuite is the world's leading provider of on-demand business application software combining accounting and enterprise resource planning (ERP), customer relationship management (CRM) and ecommerce capabilities in a completely integrated solution. With over 12,000 customers globally, NetSuite companies are enabled to manage all key business operations uniting departments, automating processes and gaining unparalleled insight into their business. Netsuite is built around a single customer record, so all areas of the business; sales, support, accounting, distribution, shipping and billing, use the same information…...

Comparison of Islamic Banking and Conventional Banking

The foundation of Islamic bank is based on the Islamic faith and must stay within the limits of Islamic Law or the Shariah in all of its actions and deeds. The original meaning of the Arabic word Shariah is 'the way to the source of life' and is now used to refer to legal system in keeping with the code of behaviour called for by the Holly Qur'an (Koran). Amongst the governing principles of an Islamic bank are : *…...

Pros and Cons of Mobile Banking

Many major commercial banks are now offering consumers the choice to make deposits, send money, and perform other routine tasks using a mobile app. Bank customers can now use a smartphone or tablet for basic transactions like check deposits and bill payments, making it easier to keep an eye on finances without a trip to the ATM. Mobile banking is indeed a tempting offer, but some consumers are rightly worried about the additional security risks; a recent report by viaForensics…...

Different Types of Money Investment

Checking Account Basic – In this type of account, one is presented less services and low cost. The disadvantage of this type of account is that banks usually do not pay interests. Moreover, if used excessively, the owner of the basic checking account may pay additional charges (“Types of Accounts Typically Offered by Banks,” 2008). Interest Bearing – compared to the basic checking account, the interest bearing account is broader in terms of services and cost. Interest bearing accounts offer…...

Banking Sector Reform

From the 1991 India economic crisis to its status of third largest economy in the world by 2011, India has grown significantly in terms of economic development. So has its banking sector. During this period, recognizing the evolving needs of the sector, the Finance Ministry of Government of India (GOI) set up various committees with the task of analyzing India's banking sector and recommending legislation and regulations to make it more effective, competitive and efficient.[1] Two such expert Committees were…...

Consolidation in Banking

1.Introduction In our daily life , we can receive banking service from banks and branches whose headquarters may from different city, region or nation . This is because banking consolidation has improved banking expansion in the past decades. It is a fact that many banks regard consolidation as a strategy for their growth and development in new market . Consolidation usually consist of mergers and acquisitions. The former one means two independent companies combine as a new one ,the latter…...

The Economics of Money, Banking, and Financial Markets

1. What is the typical relationship between interest rates on three-month Treasury bills, long-term treasury bonds, and Baa corporate bonds? The interest rate on three-month Treasury bills fluctuates more than the other interest rates and is lower on average. The interest rate on Baa corporate bonds is higher on average than the other interest rates. 2. What effect might a fall in stock prices have on business investment? The lower price for a firm’s shares means that it can raise…...

Variety of Banking Cases

For the term "business of banking", the statute definition is improperly, even some statute laws can aid with the understanding about "business of banking" however the meanings they are provided still not adequate (Waldeck & & Giardina). Additionally, it end up being more difficult for defining "the organisation of baking" today as the truth that throughout the years and bank services are more varied (Waldeck & & Giardina). The case law Australian Independent Distributors Ltd v Winter (1965) 122 CLR…...

Bank Industry

The second logo design of Banco de Oro Banco de Oro had its humble beginnings on January 2, 1968, when it began as a thrift bank called Acme Savings Bank. With two branches in Metro Manila, Acme was one of the smallest banks in the Philippines at the time. In November 1976, Acme was obtained by the Sy Group, the group of companies presently owned by retail tycoon Henry Sy, and relabelled Banco de Oro Cost savings and Home Mortgage…...

Banking: an Ethical Dilemma?

Introduction In this report, I plan to discuss the question Banking: An Ethical Dilemma? Within this is I will discuss ethical dilemmas in association with banking. I will firstly start by giving definitions of what is meant by the terms: Banking, Ethics, and Dilemma. From here, I will go on to identify what banks are and what the roles and importance are for the economy. Next, I will go on to explain banking operations and with this identification, I plan…...

Activities of Investment Banking

The Financial investment bank is the banks which helps the federal governments, corporations and the people in raising the capital by acting or underwriting as the representative of the client in issuance of securities. The financial investment bank can also help the companies which are associated with acquisitions and mergers, and deal ancillary services like the trading of the derivatives, market making, forexes, instruments of the set earnings, equity securities and products. Unlike the retail banks and commercial banks, the…...

Banking Concept of Education: Paulo Freire Dislikes

Paulo Freire severely scrutinizes the banking concept of education. He dislikes everything about the traditional teaching method, where the teachers just fill the students with information and hope the students retain it long enough to spit it back out to them on tests. He argues that students are led to “memorize mechanically” the information lectured by a teacher. He would strongly oppose the use of grades in the schooling system. Truly, students are getting graded on how well they can…...

Assessment of the Investment Procedures of Metrobank

 Metrobank History Metropolitan Bank and Trust Company (Metrobank) was established by a group of businessmen on September 5, 1962 at the Wellington Building in Binondo, Manila. In August 1963, the bank’s first branch was established in Divisoria. Four years later, Metrobank opened its Davao branch, the bank’s first provincial branch. At the onset of the 70s, Metrobank opened its first international branch in Taipei. The Central Bank, on April 1977, authorized Metrobank to operate a Foreign Currency Deposit Unit (FCDU).…...

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